first, the credit card is overdue for five months and still shows the minimum repayment amount. This means that you have not paid back on time for five consecutive months, and the bank still gives the information of the minimum repayment amount.

Secondly, there may be the following explanations for this situation:

1. Overdue records: banks usually decide the overdue period according to your repayment habits and credit records. After the overdue period, even if you don't repay all the arrears in time, the bank may still show the minimum repayment amount as a reminder.

2. Interest and late payment fee: You may need to pay interest and late payment fee after overdue repayment. Banks usually calculate these fees into the minimum repayment amount to ensure that at least some of them are paid to avoid further late payment.

3. The amount owed is large: If your credit card owes a lot, even the minimum repayment amount may be relatively high. The bank hopes that you can repay part of the arrears as soon as possible to reduce interest charges.

To sum up, the fact that the credit card is overdue for five months and still shows the minimum repayment amount indicates that you need to repay it as soon as possible, so as to avoid further delay in payment and affect your credit history. It is suggested that you try to repay more debts, not just the minimum repayment amount, in order to reduce the financial burden in the future.

Extended information:

Overdue repayment will have a negative impact on personal credit records, which may lead to a decline in credit rating, a decrease in credit limit or difficulties in applying for other loans. Therefore, when using credit cards, it is very important to ensure full repayment on time. If you encounter financial difficulties or can't repay on time, please contact the bank in time and try to discuss the repayment plan with the bank or apply for an extension.